With good dental insurance, most patients pay little to nothing out of pocket for the essential services they require to keep their smiles looking great. Midtown Dental can help you learn more about dental insurance.

You pay a small monthly fee for a set amount of coverage each year, just like other insurance. The amount of dental coverage varies depending on your monthly premium.

• Insurance Pays More for Vital Treatments

When it comes to copays for certain treatments, it is important to know that your insurance provider will likely cover all or nearly all of the costs for routine cleanings, checkups, and fillings. Expenses for uncommon dental treatments like mouthguards or chipped teeth will be higher.

• Many Workplace Policies Cover Braces 

While standard dental plans rarely cover orthodontic work, many workplace plans provide between $1500 and $2000 for braces. Check with your employer to see if their insurance covers braces and how to use them.

• HMOs Cost Less Than PPOs

Most people prefer PPOs because they allow them to choose any dentist they want. If you are on a budget, an HMO may be an option. HMO dental plans limit your choice of dentists to a network of partnered providers. This restriction lowers monthly premiums and copays.

• Compare Insurance Companies and Dentists

Different dental insurance providers charge different premiums and offer varying plan terms. This also applies to dentists and their treatment fees. It is in your best interest to shop around for the best insurance coverage and dental treatments.

• Waiting Periods in Dental Plans

If you buy dental insurance and want to get started right away, be aware that many plans require you to wait a certain amount of time before coverage kicks in. Preventive care has very short or no waiting periods. Waiting periods for restorative or cosmetic care can be up to 3 months.

• No Roll Over Coverage

If you have an annual allowance for two checkups and two teeth cleanings, you must use these services by the end of the calendar year. You are wasting covered dental care if you do not use your allowances. So, before your insurance plan resets, make the most of your coverage.

Taking care of your smile can provide you with a plethora of incredible benefits. Midtown Dental is here for you. Get in touch with us at (509) 946-1678 or visit us at 750 George Washington Way, Richland, WA, Suite 1 99352 to know more about your oral health.